Advertiser Disclosure: The credit card and banking offers that appear on this site are from credit card companies and banks from which MoneyCrashers.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear on category pages. MoneyCrashers.com does not include all banks,…
Category: Biohazard Total Cleanup
Best Unsecured Personal Loans for Bad Credit of 2021
It happens to the best of us. You might have been totally on top of your budget, and then an unexpected something turns up to throw you off course. Maybe itâs a medical bill, an…
The post Best Unsecured Personal Loans for Bad Credit of 2021 appeared first on Crediful.
How to Get a Personal Loan (Application, Approval, Alternatives)
Personal loans are typically unsecured loans offering up to $50,000 with a term of up to 5 years. They come in several shapes and sizes and interest rates, fees, and terms can differ greatly, but the average personal loan in the United States is between $7,000 and $8,000 and charged at a rate of 11% and 12%. Steps to Getting a Personal […]
How to Get a Personal Loan (Application, Approval, Alternatives) is a post from Pocket Your Dollars.
5 Best Personal Loans for Fair Credit for 2020
Are you wondering if there are personal loans for fair credit out there? If you are, then the answer is a resounding “Yes.” There are, indeed, personal loans for fair credit available to you. If you have fair credit, expect your credit history to be under the microscope by lenders when applying for a personal …
Continue reading “5 Best Personal Loans for Fair Credit for 2020”
The post 5 Best Personal Loans for Fair Credit for 2020 appeared first on GrowthRapidly.
Can You Afford that New Car? Here's How to Decide
Are you in the market for a new or new-to-you car? If so, you’ve probably wondered “How much car can I afford?”
While your local car dealership might be happy to tell you the sky’s the limit regarding your car purchase, your personal budget might be telling you a different story. Spending more than you can afford on a car turns that car from a blessing into a burden.
How much should I spend on a car?
Deciding how much to spend on a car starts with knowing your current financial numbers. You'll need to know your current income, expenses, and savings amounts.
Know your numbers
There are several financial factors that can influence how much you should spend on a car. The amount of money you earn, of course, needs to be taken into account.
When determining how much you earn, always use your net take-home pay to start with. From there, factor in the other financial obligations you have.
In other words, look at your budget. If you don’t normally use one, now is a good time to start. Having a clear view of all other monthly financial obligations will help you better determine how much you can afford.
The 50-30-20 budget plan can be helpful. In short, the 50-30-20 budget plan works like this:
- 50 percent of your budget goes toward must-have and must-do obligations, such as housing expenses and child care
- 30 percent of your budget goes toward savings and debt obligations
- 20 percent of your budget covers unnecessary expenses and “fun” money
There are many ways to design a budget, but the 50-30-20 budget gives you a good place to start. It will certainly point out of there are any areas that are totally out of whack.
What do you have in savings?
Having a healthy savings account balance is important when making a car purchase as well. If you don’t have an emergency fund with a balance equal to three to six months’ worth of expenses, building that emergency fund up should be a priority.
If you don’t have an emergency fund with a balance equal to three to six months’ worth of expenses, building that emergency fund up should be a priority.
With an added car payment, having a plush savings balance will help you ensure you can cover the new payment even if you hit a financial bump. Or, for instance, if the car needs repairs.
Determine the total cost of the car
Once you have looked at your budget and determined the amount of money per month you are comfortable spending on a car you'll want to be clear on the total car costs before you make your purchase. Affording a new car isn’t simply about the payment.
There are several other costs associated with car ownership, such as:
- Insurance policy costs
- Fuel and parking costs
- Maintenance and repair costs
You can call your insurance company ahead of time and get a quote for the new vehicle you're considering. If you are still trying to narrow down what type of car you want, check out this list of the most and the least expensive cars to insure.
Call your insurance company ahead of time and get a quote for the new vehicle you're considering.
Fuel costs are fairly easy to determine. A Google search will give you the MPGs of any car you could think of. Compare that to your current car to see if your costs will change.
Maintenance and repair costs can be harder to determine but you can get an idea by using averages across a brand. Here's an article from Autowise that displays the cheapest and most expensive cars to maintain.
Be sure to factor in an accurate estimate of these additional car ownership costs as you determine a purchase price and payment amount you’re comfortable with.
Get the right kind of car loan
Doing your due diligence as you shop for a car loan is important as well. You do not have to get financing through the dealership. You will likely do better getting a loan yourself through your bank. At the very least, have an understanding of what rate you would qualify for before heading into the dealership so you know if they are offering you a fair rate.
Continue reading on Wallet Hacks.
Coronavirus Mortgage Relief: What Homeowners Need to Know
The Coronavirus Aid, Relief and Economic Security Actâalso known as the CARES Actâis a $2 trillion stimulus package passed by the federal government. The goal of the CARES Act is to provide relief for individuals and businesses struggling with the financial fallout of the COVID-19 pandemic and resulting shutdowns. One of the components of the… Read More
The post Coronavirus Mortgage Relief: What Homeowners Need to Know appeared first on Credit.com.
Removing Cigarette Smell From Clothes
Contents Load washing machine Federal government hospitals Mildew smell washer smell This crumb sweeper, however, is designed specifically to remove the smallest little crumbs it can … It even works for other … Take your sunglasses off your head and remove any facial piercings. 3. Wear deodorant/aftershave/perfume, but not enough that … Top Loader Washer…
Top Loader Washer Smells
Contents Top load washing machine Top load washing Mildew smell washer Mildew smell washer smell Box federal government Firm healthcare environmental services Stinky Washing Machine Top Loader We have all the tricks on How to Clean Your top load washing machine and get rid of that funky smell and make it clean as new. With…
Stinky Washing Machine Top Loader
Contents Load washing machine Mildew smell washer smell Baking soda cleans Washing machine … underarm odor Efficiency washing machine We have all the tricks on How to Clean Your Top load washing machine and get rid of that funky smell and make it clean as new. With tips for maintaining your washer and dryer and…
Examples Of Biohazardous Waste
Contents Put extra stress Highly exclusive college Clinical waste firm healthcare Sharps waste. needles Biohazard Waste Box federal government hospitals BayCare’s St. Joseph’s Hospital is the only hospital in Tampa Bay to receive a five-star ranking from the federal agency. Most others scored two to three stars. Mildew Smell Washer Smell From Washer Machine To…